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Credit Card

A credit card is a financial tool given by a bank or financial company that lets you buy things, pay for services, or withdraw cash on credit—up to a certain limit. This limit is called your credit limit, and it is set based on your income, credit history, and other eligibility factors. When you use a credit card, the money doesn’t come out of your bank account right away. Instead, the card company pays the seller, and you pay the card company back later—usually within a billing cycle (around 30 days).

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Importance of Credit Cards

Quick Access to Money

Credit cards let you spend even when you don’t have cash in hand—very helpful during emergencies or big, unexpected expenses.

Cashless Payments

You can pay safely and easily, both online and in stores, without carrying physical cash.

Helps Build Credit Score

Using your card responsibly and paying bills on time helps improve your credit score, which is useful when applying for loans in the future.

Buy Now, Pay Later

Credit cards let you buy things today and pay for them later, giving you more flexibility with your money.

Benefits

  • Rewards & Cashback

    Earn reward points, discounts, or cashback when you spend on shopping, travel, food, and more.

  • EMI Option

    Big purchases can be converted into easy monthly payments, making them more affordable.

  • Security & Safety

    Cards come with features like PIN, OTP, and fraud protection. Some also offer insurance if your card is lost or stolen.

  • Track Spending Easily

    Monthly statements show where your money is going, helping you manage your budget better.

  • Fast & Easy Payments

    Make quick payments at shops, restaurants, petrol pumps, and online platforms without any hassle.

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FAQ's

Sahaj Mitr needs to log in to the Sahaj Portal, go to Banking Services, click on Sahaj Sathi, and then select Credit Cards - Apply for credit Card to view the available options.

Sahaj Mitr needs to fill out the Application form on the portal. Once the lead is generated, a link will be shared with the customer, which will redirect them to the selected bank’s official page. The customer can then complete the remaining application process directly on the bank’s website.

Yes, a PAN card is mandatory for applying for a credit card.

Sahaj Mitr will receive the commission on a monthly basis for the credit cards applied through Sahaj Sathi

Yes, Sahaj Mitr can check the status of the lead by using the Check Lead Status option on the Sahaj Portal.
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